5950 State Rte 3, Waterloo, IL 62298 Property Records

Monroe County property record for 5950 State Rte 3, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,048 sqft · built 1990
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Oct 2019)
Deeds & Mortgages	Sep 2023 Mortgage May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-08-300-011-000`

Property Details

APN / Parcel Number

Primary APN	`11-08-300-011-000`
Alternative APN	`11080000001605 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,048 sqft Building Perimeter
1st Floor Area	1,056 sqft
Upper Floors Area	992 sqft
Basement Area	2,048 sqft
Unfinished Basement	2,048 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Lot Area	217,800 sqft (5 acres)
Garage Area	720 sqft
Driveway	Concrete Driveway
Driveway Area	300 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	64 sqft
Deck Area	652 sqft
Patio Area	652 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	5950 STATE ROUTE 3
City	WATERLOO
State	IL
Zip	62298-3008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MA1
Legal Description	PART SE SW
Legal Range	09W
Legal Township	03S
Legal Section	08
Legal Subdivision	WOODSONG
Jurisdiction	MONROE IL
Township / Civil Division	8
Census Block Group	2
Census Block	2038
Census Tract	600501

Owner

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5950 STATE ROUTE 3, WATERLOO, IL 62298-3008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
May 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Sep 16, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Oct 25, 2019	Special Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG CORP
Oct 24, 2019	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2019 · Amount on Record
Deed Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	2019404372
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5950 STATE ROUTE 3, WATERLOO, IL 62298-3008
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430638
Date	Sep 22, 2023
Instrument	430638

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5950 STATE ROUTE 3, WATERLOO, IL 62298-3008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COLUMBIA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000389966
Date	May 23, 2017
Instrument	389966

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5950 STATE ROUTE 3, WATERLOO, IL 62298-3008
Document Number	0000411137
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5950 STATE ROUTE 3 WATERLOO IL 622983008, WATERLOO, IL 62298-3008

Mortgage

Document Number	0000411137
Date	Sep 22, 2020
Instrument	411137

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

October 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 25, 2019
Property Address	5950 STATE ROUTE 3, WATERLOO, IL 62298-3008
Document Number	0000404372
Instrument Date	Oct 24, 2019
Instrument	404372
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000404373
Date	Oct 25, 2019
Instrument	404373

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	5950 STATE ROUTE 3, WATERLOO, IL 62298-3008
Document Number	0000404373
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5950 STATE ROUTE 3 WATERLOO IL 622983008, WATERLOO, IL 62298-3008

Mortgage

Document Number	0000404373
Date	Oct 25, 2019
Instrument	404373

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Disabled Person's exemption	$126,570 (+3.34%) Land $18,410 Building $108,160	$379,710 (+3.34%) Land $55,230 Building $324,480
2022	Disabled Person's exemption Additional exemption filed	$122,480 Land $18,410 Building $104,070	$367,440 Land $55,230 Building $312,210

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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